@article{eprints17597,
           month = {Februari},
           title = {PERAN BANK PERKREDITAN RAKYAT DALAM PEMBERDAYAAN
USAHA MIKRO
(Studi Kasus Pada PT. BPR Lampung Bina Sejahtera)},
          author = {AKHMAD AL KAUTSAR NN},
            year = {2012},
         journal = {Digital Library},
             url = {http://digilib.unila.ac.id/17597/},
        abstract = {ABSTRAK.

Tujuan penelitian ini adalah untuk mengetahui dan menjelaskan peran Bank
Perkreditan Rakyat dalam pemberdayaan usaha mikro. Metode yang digunakan
dalam penelitian ini adalah kualitatif. Informan ditentukan dengan purposive
sampling yakni penentuan disesuaikan dengan kriteria tertentu yang ditetapkan
berdasarkan tujuan penelitian. Data diperoleh dari hasil wawancara dan
menggunakan dokumen. Selanjutnya analisis data dilakukan dengan reduksi data,
display atau penyajian data dan tahap kesimpulan (verifikasi). Lokasi penelitian di
PT. BPR Lampung Bina Sejahtera, Bandar Lampung. Informan dalam penelitian
ini berjumlah 4 orang, yang terdiri dari pihak Bank melalui salah seorang Staff
Account Officer yang mengurusi penyaluran kredit dan pihak nasabah yang
bergerak dalam usaha mikro. Hasil penelitian menunjukkan bahwa Bank
Perkreditan Rakyat sebagai salah satu lembaga ekonomi mikro, mempunyai peran
dalam pemberdayaan usaha mikro melalui penyediaan modal usaha, proses
pendampingan (pembinaan), penyediaan sarana untuk pelayanan dalam membantu
usaha mikro mengatasi permasalahan yang dihadapi dan pengawasan. Pembinaan
dilakukan dengan cara langsung dan tidak langsung. Pembinaan secara langsung
adalah dengan berdiskusi atau berbicara langsung secara personal, dan melalui
pelatihan. Sedangkan pembinaan secara tidak langsung yaitu dengan menganalisis
data operasional kredit dan neraca rugi/laba usaha nasabah. Adapun hambatan
yang dihadapi Bank Perkreditan Rakyat dalam proses pemberdayaan terhadap
usaha mikro, adalah permasalahan internal seperti kurangnya tenaga ahli yang
dimiliki. Sedangkan hambatan eksternalnya adalah, keadaan usaha yang tidak
kondusif serta masih bersifat tertutupnya usaha mikro yang menjadi nasabah
dalam pelaporan kegiatan usaha. Strategi yang ditempuh oleh Bank Perkreditan
Rakyat dalam menghadapi hambatan tersebut antaralain berupa, melakukan
kerjasama dengan Bank Indonesia untuk menutupi kekurangan tenaga ahli yang
mereka miliki. Kemudian melakukan pendekatan yang lebih intens lagi terhadap
nasabah yang masih bersifat tertutup dalam pelaporan kegiatan usahanya.
Kata kunci : peran, Bank Perkreditan Rakyat, usaha mikro
THE ABSTRACT
The ROLE of the PERKREDITAN RAKYAT BANK in EMPOWERMENT
of MICRO efforts
(The case study In PT. BPR Lampung Bina Sejahtera)
Oleh
AKHMAD AL KAUTSAR
The aim of this research was to know and explain the role of the Perkreditan
Rakyat Bank in empowerment of micro efforts. The method that was used in this
research was qualitative. The informant was determined with purposive sampling
that is the determination was matched with the certain criterion that was appointed
to be based on the aim of the research. The data was received from results of the
interview and used the document. Further the analysis of the data was carried out
with the reduction in the data, display or the presentation of the data and the
conclusion stage (the verification). The location of the research in PT. BPR
Lampung Bina Sejahtera, Bandar Lampung. The informant in this research
numbering 4 people, who consisted of the Bank's side through one of the staffs the
Officer Account that was in charge of the channelling of credit and the customer's
moving side in an effort to micro. Results of the research showed that the
Perkreditan Rakyat Bank as one of the micro-economics agencies, had the role in
empowerment of micro efforts through the provisions of capital of efforts, the
process of assistance (the management), the provisions of means for the service in
helping micro efforts to overcome the problem that was dealt with and the
supervision. The management was carried out by means of direct and indirectly.
The management directly was by discussing or speaking directly personally, and
through the training. Whereas the management in a manner indirectly that is by
analysing the operational data credit and the balance of the loss/the profit of the
customer's efforts. As for the obstacle that was dealt with by the Perkreditan
Rakyat Bank in the process of empowerment towards micro efforts, was the
internal problem like the shortage of the expert who was had. Whereas his
external obstacle was, the efforts situation that was not conducive as well as still
was closed him micro efforts that became the customer In the Report the efforts
activity. The strategy that was followed by the Perkreditan Rakyat Bank in facing
this obstacle in part take the form of, carried out the co-operation with the
Indonesian Bank to cover the lack of the expert who was had by them. Afterwards
carried out the approach that was more again intense against the customer that still
was closed in the Report his efforts activity.
The key word: the role, the Perkreditan Rakyat Bank, micro efforts}
}